With the growth of Buy Now Pay Later online stores and BNPL schemes with no credit check, everyone is interested in purchasing items through these financing options. Now BNPLs are not limited to large purchases only but stores have introduced buy now pay later gift cards, jewelry, and even grocery items. This brings us to buy now pay later clothes stores that ensure you can afford the fashion of your choice without breaking the pocket.
What Are The Best Buy Now Pay Later Clothes Stores?
Buy now pay later or now often referred to as shop now, pay later are short-term financing plans offered by certain loan providers in order to help you with purchases without any credit check or interest charges.
BNPL schemes do pull a soft inquiry but these do not show up on your credit report making them ideal for shopping even for smaller items like shoes, jewelry or clothes.
There are different buy now pay later clothes stores & websites where such plans are available for you to choose from. I have listed some of the best ones below which you must check out on your next shopping spree!
1. Macy’s
With 500+ stores in the US, who does not recognize this name when it comes to shopping for coats, jeans, jackets, bottoms, shoes, and what not!
Macy’s makes it convenient for you to access all these fashion products, whether it be for men or women through Zip.co BNPL scheme.
Zip.Co was formerly known as Quadpay and it is one of the most reliable BNPL loan provider that works in partnership with multiple clothing stores.
There are no credit checks and installment plan is rather straightforward. You have to pay the first installments (25%) at the time of the purchase and the other three installments would be due in upcoming six weeks.
With Klarna vs Quadpay being a strong competitors, it is surprising that Macy’s has partnered with Klarna as well for both, in-store and online shopping.
If you are shopping at Macy’s and are confused about which buy now pay later clothes plan to use then rest assured the payment schemes and fees are same for Zip and Klarna. However, using Zip would give you the flexibility to shop at other clothing brands as well.
2. Stoneberry
Stoneberry is another clothing retailer where you can find different clothing brands and purchase items through BNPL plans. You can buy men, women, and kid’s hoodies, boots, watches, perfumes, and much more!
The financing plan most popular here is that of Easy Pay credit line which requires thorough credit check and is not very easy to be approved for. On top of that, you will have to $5.99 per month in order to access all the brands available at Stoneberry.com.
Although there is a credit pull, it typically does not affect credit score. You will be eligible for $1000 right away once approved for the credit line.
3. eBay
eBay has an extensive clothing and accessories sections and you can buy even new products on easy installments terms with certain payments plans. eBay is famous for the purchase of items like jeans, sleepwear, handbags, sneakers, etc.
As most of you would already know, eBay itself is not a clothing brand but it hosts other brands like Adidas, Puma, Crocs, Reebok, etc.
The most popular BNPL scheme at eBay is PayPal Pay-in-4. It lets you divide the cost of shopping into 4 equal installments and does not conduct any credit check prior to lending money. However, it would increase your approval chances if you have a PayPal account in good standing.
Other than this, PayPal credit is also a financing option that you can use but it runs a hard inquiry on your credit score making it unsuitable for many applicants with poor credit score.
4. Adidas
Adidas is famous for sportwear and athletic wear around the world. What makes it more attractive is that it works with multiple buy now pay later programs including Affirm, Afterpay, Klarna, and Zip.
So if you are into purchasing the durable and classy shoes or clothes from Adidas, you can use the BNPL options to make the purchase lighter on your pocket.
5. H&M
If you are into following trends and fashion statements then H&M is the right choice for you. It is one of the leading clothing retailer in the US and works in partnership with more than 5000 stores. Globally, H&M has established its stores in 70+ countries.
The BNPL options at H&M are not extensive but the ones it does offer are real treat! You can use Klarna financing here which is simple and easy to qualify for.
There are two options to utilize here. Either you can choose to split the payment into 4 installments or you can pay within 30 day window. Both of these are convenient as they allow you to divide the cost of the purchase instead of paying all the amount up front. Interestingly, Klarna at H&M also offers a “snooze” option. This will silent your payment for 10 days as a bonus time to pay back later.
H&M also has a return policy according to which you can return/exchange a product within a month of purchase.
Besides H&M, there are a wide variety of stores that accept Klarna now. You can shop at these without any hard credit check and choose a flexible payment plan of up to 36 months.
6. Walmart
Jeans, T-shirts, shoes, you name it and Walmart has it all! As a physical and an online store, Walmart has a huge customer base belonging to all groups of ages.
You can use Affirm financing here to divide the purchase into monthly payments. All you have to do is choose to pay with Affirm at the checkout.
However, prior to this, you must create an account with Affirm and check eligible criteria to see if you qualify for it or not. You will have to go through a hard credit check after which you can pay in installments over 3-24 months.
Walmart refund policy also states that you can return an item purchase through Affirm as long as it is not damaged. Moreover, there are no late fees and only minimal interest rates apply.
Secondly, you can use Klarna BNPL scheme at Walmart as well. This allows you to pay in 4 installments over six weeks and without any interest charges.
7. Urban Outfitters
This store has outlets in the US as well as Europe and is now planning to extend the operation to UAE as well. It has paired up with Afterpay BNPL service to allow customers to shop for items and pay in installments.
As per Afterpay policy, you don’t need to go through any credit check and even if the company perform a soft pull, it won’t affect your credit score. However, it may still disqualify your application for some other reasons that they have not clearly highlighter in user’s agreement.
The rule is pretty simple here: You apply for Afterpay financing, wait for approval and then use it to split the cost into 4 installments when shopping at Urban Outfitters.
8. Tobi
This is another women-dedicated store which sells lingerie, pants, heels, sandals, T-shorts, and wedding dress on buy now, pay later financing.
Majority of the buyers use Sezzle here. Tobi works with Sezzle in a manner that once you make the purchase and choose this BNPL, Sezzle will pay all your bill up-front and collect money from you later on in terms of installments.
You can sign up with this BNPL right now and wait for them to complete the hard check. This will not pull down your credit score.
Sezzle Spend account provides you with certain amount of loan which indicates how much you can shop. Keep in mind that this money can not be taken out as cash. It is simply to give you an idea of how much financing Sezzle has offered you.
9. JellyBeanz Kids
When shopping for kids apparel, JellyBeanz Kids is the way to go! The clothing brand has extensive collection of high-class products for kids and you can split up the cost of purchase using BNPL plan by Four.
The Four installment scheme does not require any hard credit check and conveniently splits the cost of purchases into four equal parts.
What’s interesting about Four at JellyBeanz Kids is that it is open even for very small purchases. Let’s say you buy something as minimal as $20. Even that you can split into payments of $5. This is applicable for amount up to $1000. Doesn’t that make it really one of the best buy now pay later clothes shop?
Keep in mind that Four is not a very popular BNPL program. Nonetheless, you can use this financing at some other stores like The Frock, Stix and Stones, and MIMU.
10. Rat & Boa
Another commendable women clothing brand to consider is Rat & Boa. To make sure your budget does not stop you from shopping these beautiful dresses, the stores offering financing options such as SplitIt to its customers.
Although this buy now pay later clothes store has other financing options in stock as well, SplitIt seems to be the most popular one.
You have to choose BNPL SplitIt at the checkout. After this, you can start paying the installments without any interest charges.
The perks don’t end just there! You can shop at Rat & Boa without worrying about credit checks. You can use your existing credit card to make the payments. If you don’t currently have one, it is always possible to get a secured credit line quickly with certain deposit if you happen to have a poor credit score.
11. Bellissimo Hats
As the name suggests, this place is famous for sales of hats but offer other items as well. With limited physical stores, you can consider shopping at Bellissimo online instead as the shipping costs are minimal.
You can pay in installments for the purchases. Typically, the cost is divided into four installments each due at two weeks interval. Choose the BNPL scheme Shop Pay at the check out without waiting for any approval process. On top of that, it does not charge any interest and there is no effect on your credit score either.
12. Vestiaire Collective
When it comes to luxury clothing and resale, the collection does not get better than Vestiaire Collective. Therefore, it was exciting for me to find out that this clothing hub working with different BNPL schemes as well.
Moreover, you can avail of items here at discounted prices as well. It hosts wide collection of different brands all at one spot saving you from the hassle of going here and there.
13. L’Envers
When you are thinking about timeless clothing styles, make a stop at Lenvers. You can find the best of jeans, tops, and pants here at affordable pricing and further backed up by BNPL schemes for easier purchases. Moreover, you can customize the clothing as well to go with the look that you love the most!
14. Recreo San Miguel
Recreo is a women leading brand that offers one of the finest clothing in the US. Moreover, you can order from anywhere in the world and have the items delivered to you with minimal charges. Recreo San Miguel works with a couple of BNPL services but which one you can use depends on the region from where you are shopping.
15. Roxy
Doesn’t the name already has a feminine sound to it? Well, that’s because Roxy store is dedicated to selling women activewear, sportswear, and relevant products. You will find products in all shapes and sizes here.
The online stores are accessible globally but physical shops are limited to certain countries only. The BNPL offered also depends on which country you are shopping in.
16. Quicksilver
Quicksilver is a famous shopping spot for activewear, outdoor clothing, and sportswear. Its stores are open globally and offer products for men, women, as well as kids. The physical stores, however, are limited to selective countries only.
The BNPL schemes accepted here are not clear but you can check out their official website to have more information. Nonetheless, Quicksilver does work with different shop now pay later programs but which one varies from time to time.
Before You Go!
Most of the stores discussed here let you buy clothes now and pay later through short-term financing options. These third-party loan providers typically pay for your purchase right away and then collect money from you in form of installments. Alternatively, some clothing retailers offer direct financing as well but through store-specific credit cards that can be a hassle to apply for.
When it comes to buy now pay later schemes for clothing, H&M, Macy’s, Walmart and Urban Outfitters seem to be the best options. You can use multiple financing tools there and no credit check is required to take the loan. Moreover, these schemes do not hurt your credit score at all!
Miriam Caldwell is a dedicated & expert freelance writer to educate people about personal finance management and budgeting. She shared her knowledge and published the articles at TheBalance.com, GOBankingRates, and BlissfullyDomestic.com. Many financial institutes pick Caldwell as the brilliant source for educational personal finance content.
